Hyundai Kona Insurance Rates

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UPDATED: Apr 26, 2024

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Estimated insurance rates for a Hyundai Kona are $1,186 a year including full coverage. Comprehensive insurance costs around $240, collision costs $446, and liability coverage is estimated at $364. Liability-only insurance costs approximately $416 a year, with high-risk driver insurance costing $2,572 or more. Teen drivers pay the most at $4,466 a year or more.

Average premium for full coverage: $1,186

Premium estimates for type of coverage:

Comprehensive $240
Collision $446
Liability $364

Prices include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Kona models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Hyundai Kona go from the low end price of $416 for a discount liability-only rate to the much higher price of $2,572 for a driver that may need high-risk insurance.

Liability Only $416
Full Coverage $1,186
High Risk $2,572

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects auto insurance rates.

Rural Areas $890
Small Cities $1,245
Large Cities $1,601

These rate differences highlight why everyone should get quotes for a specific zip code, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below breaks down estimated Hyundai Kona insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $681
  • Choosing higher $1,000 deductibles can save about $156 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,186
  • Choosing pricier low deductibles for comp and collision coverage will cost an additional $302 each year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,572 or more
  • An auto insurance policy that insures a teenage driver for full coverage can be $4,466 each year

View Chart as Image

Hyundai Kona insurance cost comparison chart
Column chart showing full coverage Hyundai Kona insurance prices range from $681 to $4,466

Insurance prices for a Hyundai Kona also have a wide range based on the model of your Kona, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,400 to $2,000 additional annually, depending on your age. Hyundai Kona insurance for high-risk drivers ranges around 45% to 131% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Hyundai Kona insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,690 on average in Michigan, New York, and Louisiana.

Hyundai Kona Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,072 -$114 -9.6%
Alaska $910 -$276 -23.3%
Arizona $982 -$204 -17.2%
Arkansas $1,186 -$0 0.0%
California $1,350 $164 13.8%
Colorado $1,130 -$56 -4.7%
Connecticut $1,216 $30 2.5%
Delaware $1,338 $152 12.8%
Florida $1,480 $294 24.8%
Georgia $1,096 -$90 -7.6%
Hawaii $852 -$334 -28.2%
Idaho $804 -$382 -32.2%
Illinois $882 -$304 -25.6%
Indiana $894 -$292 -24.6%
Iowa $800 -$386 -32.5%
Kansas $1,126 -$60 -5.1%
Kentucky $1,616 $430 36.3%
Louisiana $1,754 $568 47.9%
Maine $734 -$452 -38.1%
Maryland $980 -$206 -17.4%
Massachusetts $946 -$240 -20.2%
Michigan $2,058 $872 73.5%
Minnesota $994 -$192 -16.2%
Mississippi $1,420 $234 19.7%
Missouri $1,052 -$134 -11.3%
Montana $1,274 $88 7.4%
Nebraska $934 -$252 -21.2%
Nevada $1,422 $236 19.9%
New Hampshire $854 -$332 -28.0%
New Jersey $1,326 $140 11.8%
New Mexico $1,050 -$136 -11.5%
New York $1,248 $62 5.2%
North Carolina $682 -$504 -42.5%
North Dakota $972 -$214 -18.0%
Ohio $818 -$368 -31.0%
Oklahoma $1,216 $30 2.5%
Oregon $1,086 -$100 -8.4%
Pennsylvania $1,130 -$56 -4.7%
Rhode Island $1,580 $394 33.2%
South Carolina $1,074 -$112 -9.4%
South Dakota $1,000 -$186 -15.7%
Tennessee $1,038 -$148 -12.5%
Texas $1,430 $244 20.6%
Utah $876 -$310 -26.1%
Vermont $810 -$376 -31.7%
Virginia $710 -$476 -40.1%
Washington $914 -$272 -22.9%
West Virginia $1,088 -$98 -8.3%
Wisconsin $818 -$368 -31.0%
Wyoming $1,054 -$132 -11.1%

View Chart as Image

Hyundai Kona insurance rates by U.S. city

Choosing high deductibles can save as much as $460 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices will be substantially different.

Hyundai Kona Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Hyundai Kona $268 $482 $332 $1,218
2023 Hyundai Kona $256 $478 $338 $1,208
2022 Hyundai Kona $248 $466 $354 $1,204
2021 Hyundai Kona $240 $446 $364 $1,186
2020 Hyundai Kona $226 $430 $376 $1,168
2019 Hyundai Kona $218 $400 $384 $1,138
2018 Hyundai Kona $208 $376 $388 $1,108

Rates are averaged for all Hyundai Kona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Hyundai Kona Insurance

Finding better rates on auto insurance takes being a good driver, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Shop around once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the data that was touched on in the above illustrations.

  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Consumers who may need an increased level of liability coverage will pay about $400 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Drivers age 16 to 20 are charged the highest prices, with the cost nearing $372 per month if comprehensive and collision insurance is included
  • Drivers with reckless driving or DUI convictions may have to pay on average $1,390 more every year than a safer driver

Rates by Driver Age

Hyundai Kona Insurance Rates by Driver Age
Driver Age Premium
16 $4,466
20 $2,744
30 $1,234
40 $1,186
50 $1,086
60 $1,066

Full coverage, $500 deductibles

Rates by Deductible

Hyundai Kona Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,348
$500 $1,186
$1,000 $1,030

Full coverage, driver age 40

Rates by Liability Limit

Hyundai Kona Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,186
50/100 $1,259
100/300 $1,350
250/500 $1,586
100 CSL $1,295
300 CSL $1,495
500 CSL $1,641

Full coverage, driver age 40

Rates for High Risk Drivers

Hyundai Kona Insurance Rates for High Risk Drivers
Age Premium
16 $6,372
20 $4,368
30 $2,624
40 $2,572
50 $2,454
60 $2,432

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $87
5-yr Claim Free $77
Paid in Full/EFT $54
Advance Quote $59
Online Quote $84
Total Discounts $505
Rate after discounts $681

Discounts are estimated and may not be available from every company or in every state.

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